If you have needs or plans, but you do not have sufficient means, apply for a consultation with SEB bank specialist to agree on financing solution that is the most suitable for you.
You may apply for a loan or consultation in any branch of SEB bank.
Borrow deliberately, assessing your capacity to repay the loan.
Minimum Amount of the Loan |
Starting with 3 500 EUR If you need a smaller amount of financing, we recommend you to familiarise yourself with terms and conditions of the consumer loan. |
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Term for Repayment of the Loan |
Up to 30 Years The period of the loan is determined individually, by evaluating each case separately. |
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Monthly Instalment of the Loan |
May not Exceed 40% of Your Net Income together with your other loan and leasing payments On the date specified by you, loan repayment takes place automatically from your current account in SEB bank. |
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Preconditions for the Receipt of a Loan |
Stable, Regular and Sufficient Income for the Performance of Loan Liabilities Bank evaluates your declared income: salary, income from the economic activity, rent, etc. Positive Borrowing History Prior to granting the loan, your previous financial liabilities will be evaluated. Positive borrowing history consists from prompt performance of liabilities. Collateral on the Loan Bank evaluates the condition and market value of the property. |
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Loan Repayment | Early repayment of the loan is possible without additional fee. | |
Nine Steps for Receipt of the Loan |
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Additional Information |
Terms and conditions of the loan may differ for each transaction. Amount of the loan, repayment term and other terms and conditions are evaluated according to the purpose of the loan, value of the collateral, and paying capacity of the customer. |
The Amount of the Monthly Instalment
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The sum of the monthly instalments depends on several factors:
Schedules of loan repayment Annuity payments: during the validity term of the loan agreement payments of the principal sum and interest are separated into as equal payments as possible. Amount of the monthly instalment will be constant in the respective period of the interest rate change. Linear payments: payment of the principal sum remains constant during the validity term of the loan, but interest is calculated from the unpaid part of the loan. |
The Interest Rate of the Loan
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Variable interest rate will be applied to your loan, consisting of:
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Related Costs |
One-off costsBank-related expenses:
Non-Bank-related expenses:
Repeated costs
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Loan payment insurance |
In order to avoid unplanned financial losses and protect the relatives from taking over of loan liabilities in situations when unexpected difficulties with loan repayment arise, we offer loan payment insurance. The monthly insurance payment, starting from 5 EUR, provides an opportunity to receive insurance indemnity in situations involving your involuntary unemployment or temporary disability, as well as allows you to save your property because the insurer will cover the loan balance in the event of your permanent disability or death. |
Property insurance |
For your convenience we offer to insure your property at SEB bank. To find out more about the insurance options and special offers, call +371 26668777. Insuring your home results in you gaining security as well as an opportunity to avoid unexpected financial losses that might arise from theft, fire, a water-supply system accident or other accidents. Please, make sure that the prepared property insurance policy meets the following criteria:
Please send the renewed insurance policy to e-mail address apdrosinasana@seb.lv or deliver it to any SEB bank branch by the expiry date of the current insurance policy. You can see terms and conditions of real estate insurance policies concluded with AAS Balta. |
You may apply for a loan or consultation in any SEB bank branch or by calling +371 26668777, or by using Skype: SEB_Latvija.
A consultation with a private advisor of SEB bank may prove useful to you in order to find out the amount of the loan that you could receive, to discuss the most appropriate types of payment, as well as to receive answers to your questions in relation to the loan.
Services | Fees |
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Revision of the application | Free of charge |
Processing of the loan, increasing (% of the granted amount)1 | 1,5%, min 75.00 EUR |
Repayment of the loan before maturity | Free of charge |
Other changes on the customer's initiative (% of the loan balance)1 |
0,7%, min 50.00 EUR max 300.00 EUR |
Preparation, drawing up or approval of documents if the loan is refinanced to another credit institution | 650.00 EUR |
Preparation, drawing up or approval of documents if the pledged immovable property is being sold and if the transaction is financed by another credit institution | 500.00 EUR |
Uninsured collateral fee2 | 10.00 EUR per month |
Additional services |
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Valuation of collateral | By agreement |
Preparation, processing and approval of bank's consent upon the customer’s request | 20.00 EUR |
1 The commission fee must be paid on the day the agreement or amendments are signed.
2 The fee is charged if the collateral is not insured for more than 30 days.
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